Risk Management - Credit Officer - Executive Director

JPMorgan Chase & Co. • Chicago, IL

13h • Onsite

About The Position

As part of Risk Management and Compliance at JPMorganChase, this role is central to maintaining the firm's strength and resilience. The position involves helping the firm grow responsibly by anticipating new and emerging risks and applying expert judgment to solve real-world challenges impacting the company, customers, and communities. The culture emphasizes innovative thinking, challenging the status quo, and striving for best-in-class performance. Specifically, as a Credit Officer Director, the individual will lead credit risk evaluation in the Chicago and Minneapolis regions for multifamily term loans, typically ranging from $1 million to $25 million+, ensuring decisions align with risk appetite and strong risk controls. This involves overseeing a high-volume credit environment, providing clear guidance on complex approvals, and mentoring and developing talent while fostering broad partnerships across business, risk, and key stakeholders.

Requirements

• Bachelor’s degree in a business or finance concentration (or equivalent experience).
• 10+ years of experience in commercial real estate lending, credit analysis, and/or loan workouts.
• Proven management background, with a track record of leading teams and effectively coaching, supporting, and motivating employees at different stages of development.
• Strong knowledge of the Chicago commercial real estate market, with the ability to provide insights on key market themes and emerging trends.
• Thorough understanding of multifamily property valuations and cash flow analysis, including evaluating property cash flows, valuation, and personal financial statements.
• Superior interpersonal, verbal and written communication and presentation skills.
• Strong stakeholder management skills, with the ability to build collaborative relationships across risk and business partners.
• Demonstrated experience applying policies, standards, procedures, and regulatory requirements in credit decisioning and analysis activities.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Nice To Haves

• Advanced degree in a related field and/or real estate coursework.
• Experience managing loan underwriters in commercial real estate or agency lending (for example, Fannie Mae or Freddie Mac).
• Experience with proprietary credit risk management tools and related system enablement.
• Experience with large language model tools.

Responsibilities

• Lead and manage the Chicago risk team’s execution of credit analysis in a high-volume environment, maintaining the highest standards of quality and risk controls.
• Evaluate and manage risk in complex transactions, including items requiring elevated approval authority and heightened judgment.
• Enhance market and portfolio discussions by identifying key risk considerations, highlighting relevant portfolio metrics, and surfacing emerging regional trends.
• Cultivate and sustain strong partnerships with internal stakeholders across the business and operations to help ensure timely, well-informed outcomes.
• Establish broad, collaborative relationships across CTL Risk functions and with senior stakeholders to support consistent regional execution.
• Apply relevant policies, standards, procedures, and regulatory requirements across all credit analysis activities, ensuring strong governance and controls.
• Implement change and lead strategic initiatives aligned with functional goals, with an innovation-minded and resilient approach.
• Develop individuals through active coaching, mentoring, and regular training, strengthening the team’s capability and bench.
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Benefits

• competitive total rewards package including base salary determined based on the role, experience, skill set and location.
• commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions.
• comprehensive health care coverage
• on-site health and wellness centers
• a retirement savings plan
• backup childcare
• tuition reimbursement
• mental health support
• financial coaching

What This Job Offers

• Job Type: Full-time
• Career Level: Executive
• Number of Employees: 5,001-10,000 employees